Umbrella Insurance Frequently Asked Questions (FAQ)

The cost of an umbrella policy is dependent on the underwriting factors of the insureds and household members covered under the policy. Things like; age, driving record, and claims history. Another factor for the umbrella rate is having all of your policies packaged with the same carrier if the situation permits. The annual premium for an umbrella policy is usually inexpensive for most households.

Call VanClark Insurance to receive your Umbrella quote 360-852-8217

The amount of liability coverage needed can be discussed between and VanClark Insurance. The base coverage amount for an umbrella policy usually starts at one million dollars and can increase from there.

One should have an umbrella policy. An umbrella policy will provide additional liability coverage.

A PUP policy is a term that is used by some insurance carriers to reference Personal Umbrella Policy.

An excess umbrella policy is the same as a general umbrella policy it is a liability policy in excess of the limits of liability for the underlying policies. (as your auto and home limits)

What is not covered by an umbrella is physical damage of a vehicle or property damage in the underlying policies. Umbrella policies have coverage for liability and uninsured protection.

The cost of a one million dollar umbrella depends on many underwriting factors and the underlying policy requirements.

For more information on how much your umbrella policy will cost call VanClark Insurance. 360-852-8217